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Invest in Top Stocks & Shares ISA - Citi UK

Investment ISAs

ISA investment - A tax efficient way to invest

Our Investment ISAs at a glance:

  •   save and invest your money tax efficiently
  •   choose from over 90 carefully-selected investment funds
  •   free from both income tax and capital gains tax (with the exception of dividend income)
  •   invest up to £15,240 a year in an ISA
  •   no need to declare ISAs on your tax return
  • Please note, Citi does not provide tax advice. We recommend that you seek independent professional tax advice. 
  • Looking for an advisor, you can also consult our Citi Partnerships.

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  • Overview
  • Our Investment ISAs and fees
  • Manage your Investment ISAs at Citi

What are Investment ISAs?

Each year the Government allows UK residents aged over 18 to invest a certain amount of money in an ISA (Individual Savings Account) which is a vehicle that enables you to shelter your investments from tax. This tax year (2015/16), the amount you can invest in an ISA is £15,240.

Investment ISAs at Citi are known as Citi’s Stocks and Shares ISAs. Your Relationship Manager can help you build a Citi Stocks and Shares ISA that’s right for your individual needs, selecting from our range of hand-picked Sterling funds that are available across different sectors, countries and asset types. It’s just one of many ways in which we can ensure your portfolio is working as efficiently for you as possible, diversifying risk and broadening market opportunity, while making the most of your wealth.

Why would you consider ISAs?

Investment ISAs could be considered by people who:

  • are interested in potentially higher rewards than from a savings account
  • are prepared to accept a certain level of risk if the stock markets fall
  • want to take advantage of tax efficiencies
  • are looking to invest for the long term

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Benefits and risks

  • ISAs are free from both income tax and capital gains tax so you won't pay tax on any increase in the value of your investment or on any withdrawals you make.
  • Higher rate taxpayers will only pay 10% on the dividends received when investing within an ISA instead of the usual 32.5%.
  • You don’t have to declare ISAs on your tax return.
  • Investment ISAs are subject to investment risks, including possible loss of some, or all, of the principal amount you have invested.
  • Past performance is not indicative of future results and the value of your Investment ISA can go down as well as up, which means you might get back less than you invested.
  • Favourable tax treatment of ISAs may not be maintained in the future if law and HM Revenue and Customs practice change. The value of the tax treatment described depends on individual circumstances

How a Citi Stocks and Shares ISA works

  • Investment management partners

    For a Citi Stocks and Shares ISA, you can choose from over 90 Sterling Investment Funds to fit your investment strategy and your risk profile. These funds are registered with the HMRC.

    The world’s leading fund houses

    Our funds are managed by leading industry professionals with a deep understanding of the markets and instruments they invest in. We only partner with the following top investment houses:


    Aberdeen Franklin Templeton M&G
    Allianz Global Investors Invesco Pictet
    Blackrock JP Morgan Pioneer
    Citifirst Investments Legg Mason Schroders
    Fidelity MFS Threadneedle

    Our carefully selected funds

    No product is ever selected for recommendation without analysis and we always apply our Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice 100 which we regard as the 100 best funds. As a result, you can be sure that any product we recommend to you has been comprehensively vetted.

    The process by which we select from our Citichoice 100 funds to find which of these funds will best suit you and your wealth management strategy is outlined below:  

  • Geographical areas

    Your Relationship Manager will build your Stocks and Shares ISA by selecting Investment Funds from any of the following countries and economic regions around the world:

    • Global
    • Emerging markets
    • United States of America
    • Europe Developed
    • Europe Emerging
    • Japan
    • United Kingdom
  • Fund types

    Asset classes to suit your needs

    Asset allocation aims to balance the risks of any investment with its potential rewards. We do this based on your financial goals, your risk profile and the term over which you're looking to invest.

    Choice of the following types of funds

    Your Relationship Manager can select from funds that invest in equities, fixed income, money market, as well as asset allocation funds with exposure to both bonds and equities. You can also choose funds which invest into Property related instruments.

    There is a variety of satellite equity investments, which offer exposure to different sectors, such as Technology, Consumer Goods & Services, Precious Metals, and Natural Resources

  • Citichoice

    Our carefully selected funds

    No product is ever selected for recommendation without analysis and we always apply our Citichoice methodology to choosing Investment Funds. This is based on strict criteria, including investment philosophy, process and performance. From this we select our Citichoice 100 which we regard as the 100 best funds. As a result, you can be sure that any product we recommend to you has been comprehensively vetted.

    The process by which we select from our Citichoice 100 funds to find which of these funds will best suit you and your wealth management strategy is outlined below:  

Managing your ISAs at Citi

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Your Relationship Manager is there to manage your Citi Stocks and Shares ISA for you based around your financial goals and your individual risk profile.

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View available investment funds, transfer or deposit into your ISA at any time, and review ISA performance on Citi Online or the Citi Mobile® UK app

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Eligibility and Fees

Eligibility

Anyone aged over 18 who is a UK resident can buy an Investment ISA.

Fees

Stocks and Shares ISAs are available on an advisory basis. This means our advisory fee and a global custody fee both apply and will depend upon the size of your investment.

Why Wealth Manage at Citi?

  • As part of a model portfolio Receive guidance to meet your financial goals

    Find out more
  • Speak to a dedicated Relationship Manager Seek advice and buy individual funds

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  • Easy access to your wealth Invest at your convenience through our online platform

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  • From an international selection Choose funds from 34 global markets

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  • As offshore investments Diversify your wealth on a global scale

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Take the first steps to your wealth management planning with Citi

Speak to a Relationship Manager
0207 500 1992

Already with Citi? Contact your relationship manager or view product availability on Citi Online

Why choose Citi?

A relationship - not just a bank account

A dedicated Relationship Manager giving you access to our internal team of product experts and all our benefits

Access to exclusive Citi products

A range of current and investment products available both on shore and offshore, in the currency of your choice
Multi-currency accounts
Our investment products

Global services for a global lifestyle

Our team is here to support you getting started in UK or with International travel and relocation
Moving to and from the UK
Travelling overseas

Offshore investments

We offer a diverse range of banking and investment services, including for those who want access to offshore investments

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Just moved to the UK?

We can save you time money and hassle. If you are a foreign national in the UK, Citi's International Banking Service can help you manage your money, home and away.

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Important information
Investment products are not insured by any governmental agencies, are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates, unless otherwise stated.


Investment products are subject to investment risks, including possible loss of some or all of the principal amount invested. Past performance is not indicative of future results, investments can go down as well as up.